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Usually, one account has more than one game bound to it, so banning the account would be the same as revoking the right to play all those games.

Additionally, that does not explain why EA doesn't offer a refund.

I thought account was referring solely to the Sim City account. I didn't realize that there was a whole infrastructure in place.

The lack of a refund is easily explained by EA's short term greed and having franchises that people really like.